BigPay To Charge Up To 3% Fee For Credit Card Top-Ups, Introduces 0.5% Cross-Border Fee
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BigPay has announced a revision to its credit card top-up fees, where all reloads made via Malaysian-issued and non-Malaysian-issued credit cards will soon incur a 1% and 3% fee, respectively – regardless of the amount topped up. On top of that, there will also be an additional cross-border fee of 0.5% for transactions made with overseas merchants that are charged in Malaysian ringgit (MYR).

With regard to the credit card top-up fee, BigPay has actually already introduced the 1% convenience fee for its users in Malaysia since June 2022, alongside the new credit card top-up limit of RM10,000 per month. However, there was an allowance where the first RM1,000 reload for each month will be processed for free; this update essentially removes this slight leeway initially provided. In announcing this, BigPay also reminded that there are other free top-up options that its clients can tap into, namely via DuitNow.

Meanwhile, the 0.5% cross-border fee – which is applied to foreign transactions that are charged in MYR – will be charged in addition to any existing network charges. BigPay explained that in most cases, this will usually total to around 1.5%, although it may also be subject to changes. This fee is applicable to payments made through the physical and virtual BigPay card, for both online and in-person transactions.

BigPay further elaborated that it is forced to introduce these extra fees now in order to keep its business sustainable. “We want to continue improving and providing you with these services that you know and love, but we have to introduce fees for these because we incur costs when we make these services available to you,” it said.

Aside from these changes, other fees and charges that have been implemented by BigPay thus far remain unchanged. Some existing fees that you should be aware of as a BigPay user include its ATM withdrawal fee (RM6 per transaction for local withdrawals, and RM10 per transaction or 2% of withdrawal amount for overseas withdrawals), currency conversion fee (up to 1%, on top of network charges), and cash top-up fee (RM1 + 2% of the reload value, with specified caps). Meanwhile, BigPay’s annual fee is waived unconditionally.

These latest revisions are slated to take effect starting from 30 August 2023. If you have any enquiries regarding the updates, you can reach out to BigPay via its customer service team through the in-app chat, or by emailing [email protected].

(Source: BigPay)

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